Leave a Review Grain
WILL RUIN YOUR CREDIT
My experience with Grain started off great, I received a $750 credit line, accessing it and maneuvering the app was seamless. There is now and update requiring an ID check consisting of a social security CARD. I have NEVER had a social security card and I have been contacting them for MONTHS to make a payment because they have prohibited me from even accessing my account until I pass this “identity check”. Several emails and no response, my credit is currently being negatively impacted because they refuse to let me access my account in any way. Can’t make a payment I can’t even see my balance, and they won’t respond to my emails and there’s no other way to contact customer service. It’s a nightmare and I’m wondering if I’ll have to just let it go down badly on my credit or send them an email everyday in hopes that I can get some assistance. Long story short use your best judgment before signing up for this app and know that there’s a possibility that they will pull the rug from under your feet.Show lessBre Sutton James F
Wish they would actually contact me back
I used to love this company and credit account. They used to be responsive, quick and just all out great for when I needed it. Now, it is just ridiculous....let me elaborate....I have had this account for nearly two and a half to three years and all during that time, everything ran smoothly and never was I once asked to upload any documents to further verify my identity. Now I know things can change and requirements can change...I totally get that, so with that said, I received an email a week or so ago saying for my to verify my ID. Well I went about doing just that. They wanted me to take a picture/scan my ID and then take a selfie. Did that all and the app claimed it was sent successfully. Barely a day later, I get an email saying verification failed and they have blocked my account totally. I can log on, but I can do much of anything else. I have tried contacting them more than four times now to resolve this and they simple just don’t respond. Maybe this review will make them respond finally....doubtful though.Show lessJrtandr
Developer Response
We're so glad you loved using Grain but so sad to hear your experience has gone downhill! We were legally required to verify accounts of existing customers. We understand this isn’t what you expected or wanted to hear but unfortunately this was legally required and there is nothing we can do to reverse the outcome.Doesn’t Even Work….
I installed this app several months ago. Since then, I’ve tried probably 50 times to use the withdrawal feature, and it has never worked. Every time, I get a message that says, “uh oh, something went wrong on our end, but don’t worry, we’re on it!” Which would be great, but….it’s never been fixed. I’ve reached out multiple times by email through the app and have never received a response. I’ve tried deleting and reinstalling the app. Just updated the app to the newest version and tried again….it just doesn’t work. I’m glad it works for other people and it is helping my credit score (hence the two stars), but the product isn’t functional for me and whomever their customer service is doesn’t answer inquiries. Would not download again….especially because I’m going to have an annual fee soon, but….for what? I can’t even use the service. Two thumbs way down.Show lesssjelrirjfjrorkfnfjeodkf
Buggy garbage app. Don’t trust them!!!
The application collects a huge amount of personal information but is extremely buggy. I definitely shouldn’t have trusted them with all of my personal information when they can’t even operate an app that functions as designed. First time I gave them all of my information and the app said it could not verify my identity. I tried again a few days later. This time I had to restart the app 2 or 3 times while completing ge application. Then I finally got a credit offer. I electronically signed the agreement and terms. Then it asked me identity verification questions (not the same step as the first time). None of the questions applied to me so I answered them accordingly. Then it said “we are having trouble connecting to our identity verification provider, please try again later”. I tried again as instructed and then it locked me out and just says they can’t verify my identity. I got several emails stating my bank account was linked to their ACH provider and I can’t even manage that. They just collected all of my information and connected themselves to my bank account and locked me out of their platform. Will definitely be reporting to the Federal Trade Commission and Consumer Credit Protection Bureau!Show lessGoGator
Developer Response
First, we're so sorry about the incredibly odd experience you've had with us thus far. This sounds like nothing we've heard before and we want to get to the bottom of it. Please email us at help@trygrain.com with the Subject Line: Follow up to my App Store review so we can locate you and investigate this.Use to like this Company!!
I’ve been a customer with this company for over a year and never missed a payment about a month ago they’ve been having severe issues with their app updates and for some reason every time I’ve tried to reconnect my bank account even after going back-and-forth with the customer service over emails nothing or no one will help me fix my situation and it’s very frustrating they have a customer service phone number but you can never get through to an actual person on the phone I’m really starting to wonder if this company is a legit company or not they say they’ll get back to you in two days through email and who has time to sit here playing tag on email messages I really hope something can be done soon or I will have to report the issue to my bank and to the credit bureau so they don’t mess up my credit!!
#Wish somebody would help meShow lessGoodCustomerTreatedWrong
Developer Response
Thank you so much for your loyalty! We love hearing you've been with us for over a year. We're so sorry about the persistent issues you've been having, especially as it relates to payment. Please update to the latest version of Grain and try again. If your issue persists, please email us at help@trygrain.com with the Subject Line: Follow up to my App Store review. We resolve credit disputes within 30 days so please clearly explain what your issue is if you reach out so we can help you!Waste of time and information
Thanks Grain !!! You have to gain access into my checking accounts then you need me to send a picture of my drivers license and of myself. You keep all of this information for 7 business days and then tell me you can’t verify my identity??? Same checking account for 6 plus years , my drivers license and my Ss number. Something is completely shady and no one can reach you to find out why my DL IS NOT Verified. Thanks for the aggravation, waste of time and now I’ve had to change my passwords and put fraud alerts on my credit. Thank god I was not counting on you and needed the loan. Do not give them your info. You can’t even reach them. After all of this I changed my password on my bank account because I saw you were checking my account every 6 hours you had the unbelievable nerve to email me and say you lost contact with my bank. If you can’t verify me, why are you still in my checking account ?? That’s exactly why I put fraud alerts on everything and changed passwords.Show lessBxrlvr
You took my money and did not give me a credit line!
I am so frustrated and from reading other reviews, this is a common problem. I downloaded this app and was approved for a $500 credit line. You took a $250 deposit from me and several days later I received an update that I would not be on boarded due to the fact that you could not verify my identity. I gave you everything you asked for, you took my money and did not make good on the contract I signed. I have called your customer service, emailed you and I still do not have this situation resolved. I don’t want to have to involve my attorney about something so minuscule as $250 but it’s the principle. I signed your contact you said I was approved, you took my money and then told me no! I need this resolved ASAP! I’m not going to send 50 emails and call your recording over and over. I’m going to sue you if you do not resolve this immediately. People don’t take loans or apply for credit just because. They do it because they have a need. This is a service that you agree to provide and you have not delivered on your end.Show lessSimplydeb
Try to contact customer
Once customer service reach out to me about changing my checking account info I will update the stars. I have reached out twice and no one has contact me back if I miss a payment I will definitely not be a happy customer. My bank is no longer in business and I reached out 2 weeks ago with no response on how to change it. The service that they offer is great just no one wants to help when the customer has a problem all I want to do is change my checking account info. My due date is coming up soon and if you don’t care why should I.
They finally responded after a week which is more than 2 business days just make sure to stay on top of them constantly if you are trying to reach customer service but the service they offer you is great no complaints there.Show lessnickjay89
Screwed up my boyfriend’s credit score
I have been helping my boyfriend build his credit the past 2 years and brought it up to 740 points. He opened a Grain account about a year ago and the payments are set to automatically draft from his account. I just received a credit alert stating his credit score dropped 40+ points. He logged into the Grain app and it says his bank account disconnected from the app. The money is and has always been available. He has not received any notifications from Grain to notify him the payment is past due or there system issue caused the payment to not draft successfully. This is absolutely unacceptable and consumers should not have to pay for this company’s mistake. This can make or break one’s credit worthiness as he is in the process of trying to buy a home. The delinquency needs to be reversed to the Consumer Reporting Agencies ASAP!!! I work in the Compliance Department for a mortgage servicer and will be filing a compliant with the CFPB. They will have 15 days to respond.Show lessMellow Yellow_Persuasion
I GOT SCAMMED
I haven’t read anybody else’s reviews on here about this app but I got scammed out of 252 dollars. I thought this was going to be a great way to help out during my transition between a new job and my new home, seeing as how I had so much happen at once. Instead of being helpful during this stressful time Grain took my money and has failed to make themselves available for any assistance. If you call there is no one to answer, and I’ve called several times. The recording will tell you no one is there. I’ve sent an email and thought I got a response back, instead it was an automated email stating that they would get back to me in about 7 days. Took my money and now all the app says is that they can not verify my identity, I uploaded my state ID, social security card AND a selfie. No help not at all, I’m in a deeper hole now until I get my first big check from my job, thank god I’m going to be paid well. Still no excuse for they way Grain operates. I would not recommend this app or company to anyone else, quite the opposite - I’m going to be warning anyone I know avoid these people like the plague.Show lessEJTEXAS214
